Provide financing programs to independent and franchised automobile dealers. Advance funds to dealers for consumer loans, enabling them to offer financing options. Now — the numbers.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Every year shown ended in profit.
The market pays 14.9× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 58% of them.
Analysts' average target sits 11% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
This grade is a blend: the profit side is strong, the sales tempo slow.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 13% off the top. A pullback, not a collapse.
The net profit margin is 18% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, executives reported 302 sells against just 69 buys. Not an alarm bell by itself, but a number worth watching.
The stock trades 11% above the average analyst price target.
On our five-subject report card, CACC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CACC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.